What is Direct Deposit?

Direct deposit is a service that allows you to authorize your employer or benefits provider to electronically send your pay directly to us for deposit into your prepaid account.
Plus, you may get paid up to 2 days faster▼!

How do I find my routing and account numbers?

Click 'Paycheck' if you will be receiving a payroll check from your employer.

Click 'Benefits' if you will be receiving your paycheck from a benefits provider, such as Social Security.

If you chose 'Paycheck', you can either print your direct deposit form or email it to yourself. Which ever you choose, your routing and account number will be included on the form.
If you chose 'Benefits', your routing and account number will be displayed on the following page.

Am I eligible for Direct Deposit?

When will the money from my payroll check be available with Direct Deposit?

Direct Deposit is the fastest way to get paid and avoid the hassles of dealing with a paper check. With Direct Deposit your funds are electronically deposied into your card account so there's no waiting for a check to clear.
Once you set up Direct Deposit with your Employer or Benefits Provider, AccountNow will process deposits as soon as they are received-which may be up to 2 days faster▼ than you would normally receive a check from your employer or benefits provider.

How much does Direct Deposit cost?

Can I use Direct Deposit to deposit my tax refund?

Yes. You can direct deposit tax refunds or other one time payments from institutions that offer direct deposit. Use the routing number and Direct Deposit Account (DDA) number provided on your direct deposit form. There is a Direct deposit limit of $10,000, so if you expect your tax refund to be more than $10,000 you should not set up direct deposit because the deposit will be refused.

How do I qualify for the $15 Direct Deposit bonus?

This offer is available to all AccountNow Gold Visa Prepaid Card customers. To qualify for the $15 direct deposit bonus, within 6 months after being approved to receive a card you must deposit at least $500 per month via recurring direct deposit in two or more consecutive months. Also:

A recurring direct deposit must be set up from your payroll or benefits provider. PayPal, loan, balance transfers, merchant deposits and tax refund transactions do not make you eligible for the bonus.

Only one bonus is payable per account.

Bonus is not available if you received a direct deposit bonus from a previous offer.

If you upgrade or change to a different AccountNow card product and receive a new AccountNow card, you are not eligible for the bonus if you had been on direct deposit at any time while your former card was in effect.

If you upgrade or change to a different AccountNow card product and receive a new AccountNow card, and you had never been on direct deposit at any time while your former card was in effect, you are eligible for the bonus if you meet the requirements; the date you are approved to receive the new card will be used for purposes of the bonus offer.

The $15 bonus will be posted to your account within 30 days after your second direct deposit if you meet these requirements and your direct deposit is still active.

How will I get paid up to 2 days faster?

Direct Deposit is the fastest way to get paid and avoid the hassles of dealing with a paper check. With Direct Deposit your funds are electronically deposited into your card account so there's
no waiting for a check to clear. Once you set up Direct Deposit with your Employer or Benefits Provider, AccountNow will process deposits as soon as they are received-which may be up to 2 days
faster than you would normally receive a check from your employer or benefits provider. Learn More.

AccountNow Gold Visa Prepaid Cards and AccountNow Prepaid Visa Cards are issued by The Bancorp Bank or MetaBank® pursuant to a license from Visa U.S.A. Inc. and can be used everywhere Visa debit cards are accepted.
The AccountNow Prepaid MasterCard (Classic) is issued by MetaBank pursuant to license from MasterCard International Incorporated and may be used everywhere Debit MasterCard is accepted. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.
Funds are FDIC insured through the Issuer to at least $250,000. Please see the back of your card for its issuing bank. The Bancorp Bank and MetaBank, Members FDIC.

*IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW CARD ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver’s license or other identifying documents.

**The Visa Zero Liability policy covers U.S. issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa, or other certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.visa.com/security.

***Conditions and exceptions apply – see Cardholder Agreement.

§This offer is available to all AccountNow Gold Visa Prepaid Card customers. To qualify for the $15 direct deposit bonus, within 6 months after being approved to receive a card you must deposit at least $500 in qualifying deposits per month via recurring direct deposit in two or more consecutive months. Eligibility Requirements.

†There is no additional charge for this feature. Fees apply to the prepaid card. See your Cardholder Agreement for fees, terms and conditions.

▼Applies to customers with recurring direct deposits, and will be effective after the second direct deposit is received. Faster access to funds is based on comparison of traditional banking policies versus eligible electronic direct deposit. Direct deposit and early deposit capability is subject to payer’s support of the feature and timing of payer’s funding.

∞ This is not a credit card. Subject to ID verification.

■Ingo Money Disclaimer: Ingo Money is operated by Ingo Money, Inc. and all check funding services are provided by First Century Bank, N.A. (collectively, "we", "us" or "our"). Use of Ingo Money is subject to the Ingo Money and First Century Bank Terms and Conditions, and the information you send to us is subject to the terms of our Privacy Policy. Approval usually takes 3 to 5 minutes but can take up to an hour. All checks are subject to approval for funding in our sole discretion. Unapproved checks will not be loaded to your card. We reserve the right to recover funds from bad checks if you knew the check was bad when you sent it, if you attempt to cash or deposit it elsewhere after funding, or if you otherwise act illegally or fraudulently. App Store is a service mark of Apple, Inc. Google Play is a trademark of Google, Inc. Data rates may apply.